Digital Lending Risk Advisor

Location : City
Mumbai

Posted Date
5 months ago(7/23/2018 1:38 PM)

Job ID

1912

Company

Accion International

Years of Experience

8

Overview

Global Advisory Solutions:

Accion’s Global Advisory Solutions team provides experienced operational and management support to help build sustainable and scalable companies focused on serving the financial needs of underserved individuals and small businesses. We strengthen our partners and maximize their impact by leveraging innovations in technology and financial services to lower costs and increase quality at scale.

We are a global team of advisors with hands on experience and deep technical and managerial expertise in building and supporting a range of financial service providers (FSPs). We work with organizations in emerging markets across Latin America, Africa and Asia to help them plan, implement, scale and enhance technologies and business models that can reduce bottlenecks to and catalyze the growth of financial services. In addition to our advisory work with FSPs, we contribute to industry development through case study work and research, knowledge sharing, as well as training and capacity building activities.

Position Overview:

Global Advisory Solutions is looking for a Digital Lending Risk Advisor to provide technical expertise and methodologies definition to ensure that FSPs are effectively managing risk at their institutions. As an advisor focused on the team’s risk and credit analytics work, the Digital Lending Risk Advisor will support three core areas to help drive sustainable growth for our clients: risk analysis (stability), credit analytics (insight), and growth strategies (quality). Through risk analysis we help our partners critically evaluate the risks facing an organization – both internally and externally – with an integrated risk management approach. With credit analytics, we use deep data statistical techniques to ascertain the effectiveness of product design, customer identification, underwriting, renewal, and collection policies both through traditional and digital channels. By focusing on understanding the environment and data better, we identify process improvement and product recommendations to help FSPs develop strategies to increase their efficiency, profitability and customer base.

Working as part of a global, cross-functional team, the Digital Lending Risk Advisor will represent Accion as an advisor to our clients, build client relationships and support a variety of risk and credit analytics activities and strategies for our clients. The Digital Lending Risk Advisor will need to have excellent people, project management, and capacity building skills, and a deep understanding of data analytics, risk modeling, and credit underwriting, collections and renewals for FSPs in emerging markets.

Responsibilities

In this position you will be a key member of our Global Advisory Solutions team, collaborating closely with project team members to understand the needs of FSPs, and to advise them on risk analysis, credit analytics, and growth strategies that will ultimately drive scale, customer engagement, and growth with quality. Key responsibilities include:

FSP Advisory Project Support:

Building capacity and assisting FSPs in implementing Accion’s Portfolio Risk Management tools which are designed to help in:

Monitoring and evaluating performance indicators of the loan portfolio and identifying trends for business growth, product acceptance, product cycle stage, and risk levels

Monitoring and evaluating loan officer productivity levels

Ensuring that overall business plan objectives are met and advising management on performance through timely reporting

Documenting the processes related with the implementation of risk analysis tools

Supporting the implementation of Transactional Risk tools (credit scoring or parametric tools) to support the development of strategies for customer acquisition (analogue and digital), portfolio growth, account maintenance and recoveries

Helping to identify Operational and Market related risks, generating the adequate documentation and control tools where applicable

Collaborating in the development of policy and process guidelines for new products or commercial initiatives

Accion and Global Advisory Solutions Support

Supporting business development efforts including the creation and presentation of project proposals to clients and/or donors

Participating with other members of the Global Advisory Solutions and Investments teams in the evaluation of potential investment and/or technical assistance partners

Effectively representing and communicate the value of the team’s risk and credit analytics service offering, and how it can be integrated into Accion’s advisory solutions for client FSPs

Contributing to the overall strategy and operations of Global Advisory Solutions by providing insights on trends, areas for growth and market positioning in the area of risk and credit analytics

Building Accion’s capacity by documenting and sharing project results and disseminating useful information and tools through a variety of knowledge exchange mediums such as brown bags, team meetings/debriefs, workshops, blogging, webinars, etc.

Advanced oral and written communication and presentation skills; English language skills required and Spanish or French a plus.

Excellent relationship building skills, with an orientation to customer service, and an ability to sell ideas and motivate others.

Openness to new ideas and willingness to adapt and innovate.

Ability to apply strong analytical skills and sound judgment.

Eagerness to learn and keen interest in staying abreast of industry trends

Interested in our mission and working globally

Willingness to embody our values of excellence, respect, and passion for social change.

Excellence: Accion staff should always put forth their best effort in all activities, strive for high quality of collective and individual performance; and demonstrate honesty and integrity at all times while in the workplace and while working on behalf of the organization.

Respect: Accion staff should value one another’s roles and responsibilities as much as their own, be encouraging, and value the diverse and unique perspectives of colleagues. They should honor obligations and commitments to each other and to external partners.

Passion for Social Change: Accion staff should be committed to making a difference in the lives of those less fortunate, value the greater good of the organization over personal gain, and promote a productive workplace by acknowledging the accomplishments of others.